Our Services
Retirement planning can feel like a minefield. We simplify choices, highlight risks, and recommend strategies that balance flexibility with guaranteed income.
How It Works
Our proven process ensures you receive personalized advice and implementation support every step of the way.
Initial Call
Fact finding to explore your goals and current financial situation.
Due Diligence
We gather and review all relevant financial data.
Free Consultation
A thorough video call with one of our financial advisors. We work with customers all over the UK from the comfort of your own home.
Agreement
Agree on the recommended plan and implementation route.
Recommendations & Arrangement
We set everything up and provide full documentation.
Initial Call
Fact finding to explore your goals and current financial situation.
Due Diligence
We gather and review all relevant financial data.
Free Consultation
A thorough video call with one of our financial advisors. We work with customers all over the UK from the comfort of your own home.
Agreement
Agree on the recommended plan and implementation route.
Recommendations & Arrangement
We set everything up and provide full documentation.
What We Do
Pensions and Retirement advice is what we particularly specialise in, this is the most common type of advice and recommendations that we provide.
We help clients approaching or are at retirement, and recommend bespoke retirement plans to give you the lifestyle you desire and income you require. This may include arranging tax free cash or lump sum withdrawals, flexible regular income, guaranteed income, or a blended solution. These retirement products and transactions can be known as:
- Flexible access drawdown
- Annuities
- Uncrystallised Fund Pension Lump Sum
We also work with clients throughout their retirement years, where money is invested within a pension / retirement plan to review investment performance, discuss income withdrawals, and the on-going suitability of the plan.
Investment advice is another common area of financial planning that we deal with. This is usually reviewing existing investment plans with a combined value of at least £200,000 held across Share ISAs, Investment Bonds, and General Investment Accounts. In addition, we arrange new bespoke investment plans for investors looking to either start their investment journey with a minimum £200,000 contribution or invest additional funds.
We also deal with other areas of holistic financial planning like inheritance tax planning, and protection needs like term assurance.
Please note: Whilst we appreciate the opportunity to try and help every client that contacts us, we are unable to provide advice on any existing or new plan valued at less than £200,000, this can be the combined value where you have multiple plans. However, should the value of your funds fall below these minimum thresholds we will try and provide useful general information and clarity where we can.
Investment Solutions
We are not investment fund managers, we complete research from across the whole of the market to recommend specialist investment solutions that are managed by investment experts. We give consideration to management charges, previous investment performance, the amount of money being managed by the investment company, and the strategy each investment firm takes, amongst other important factors.
As we have no ties to any particular investment solution, we make bespoke recommendations based on what we feel is the most suitable to match your objectives, attitude towards risk, and circumstances. We also look to review the suitability of our recommendations on an on-going basis if you opt for our optional on-going servicing. This is useful if your circumstances, objectives, attitude towards risk change, or if the investment performance is not as strong as what we first hoped.
Bespoke Retirement Planning
Tailored retirement plans that can provide flexible income, fixed income, or a balance between the two.
Includes: cashflow modelling, pension consolidation, tax-efficient drawdown strategies.
Ongoing Portfolio Management
Gold Service – annual review, portfolio rebalancing, regular market updates, 1:1 meetings.
Platinum Service – everything in Gold + half yearly updates, and advanced tax planning.
Transparent annual charge up to 1% of funds under management (tiered down for >£300k).
Our Fees
Retirement planning can feel like a minefield. We simplify choices, highlight risks, and recommend strategies that balance flexibility with guaranteed income.
Initial Advice & Implementation
Max 2 % of invested funds, min £4,000.
Examples: £200k = £4,000; £300k = £6,000; £600k = £12,000.
Payable from your investment or directly.
Ongoing Service
Up to 1 % annually, decreases on assets over £300k.
Covers: regular reviews, rebalancing, admin, adviser access.
Fee increases or decreases with the value of your portfolio.